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Learn About Indexed Universal Life (IUL)

John "Hutch" Hutchinson

Updated September 2026 · by John “Hutch” Hutchinson, ChFC®, CLU®, AEP®

Either people hate IUL or hype it up! Stock jocks say IUL won’t beat the S&P 500, while IBC-zealots say it’s not as steady as Whole Life. And…they’re both right! IUL has a unique risk/reward tradeoff. It’s best for a chunk of liquidity you want to keep safe, but still have an opportunity for double-digit annual growth. IUL can be a unique add-on for IBC and as a retirement buffer. Our in-depth articles & videos dissect how it works and a full examination of IUL’s pros & cons.

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Can IBC work with IUL?
Detailed IUL articles
Detailed IUL videos
More content collections

Infinite Banking with IUL: Can IBC Work with Indexed Universal Life?

Detailed IUL Articles

How a Max-Funded IUL Works and How to Max Fund One ArticleHow a Max-Funded IUL Works and How to Max Fund One
Pros and Cons of IUL Insurance: Who Should Buy IUL Insurance ArticlePros and Cons of IUL Insurance: Who Should Buy IUL Insurance
IUL For Retirement: Unique Utility of Indexed Universal Life ArticleIUL For Retirement: Unique Utility of Indexed Universal Life
Best IUL Companies for Cash Accumulation (2026 Reviews) ArticleBest IUL Companies for Cash Accumulation (2026 Reviews)
IUL vs. Whole Life Insurance: Key Differences Explained in Detail ArticleIUL vs. Whole Life Insurance: Key Differences Explained in Detail
IUL vs 401k: The Key Differences Explained ArticleIUL vs 401k: The Key Differences Explained
IUL Life Insurance: Is It Actually a Bad Investment? ArticleIUL Life Insurance: Is It Actually a Bad Investment?
AG49-A How We Got Here ArticleAG49-A How We Got Here

Detailed IUL Videos

Infinite Banking with IUL: Will IBC Work with Indexed Universal Life? VideoInfinite Banking with IUL: Will IBC Work with Indexed Universal Life?
IULs Fees Examined and Explained VideoIUL’s Fees Examined and Explained
Comparing Indexed Universal Life vs. Hedge Funds VideoComparing Indexed Universal Life vs. Hedge Funds
How Indexed Universal Lifes Growth Helps Retirement VideoHow Indexed Universal Life’s Growth Helps Retirement
Historical Market Movements and IUL VideoHistorical Market Movements and IUL
Criticisms of Indexed Universal Life VideoCriticisms of Indexed Universal Life
Indexed Universal Lifes Full Range of Flexibility VideoIndexed Universal Life’s Full Range of Flexibility
What Happens to IUL When Its Late-Funded VideoWhat Happens to IUL When It’s Late-Funded

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